Refer A Friend

Use the Refer-a-Friend program and when your family and friends load at least $40 in cash or with Direct Deposit to their new Card Account, you could each get a $20 credit!7

Custom Card

You can personalize your Western Union® Netspend® Prepaid Mastercard® with a photo of your choosing. You can use a picture of a loved one, a special place or even a photo of yourself.9

Purchase Cushion

Direct deposit $500 or more of your payroll or government benefits in any one calendar month, and you will qualify for the Reduced Monthly Plan. Once you qualify for the Reduced Monthly Plan and if you're short of funds, we may cover you
up to $10.00.10

Savings Account

With no minimum balance or deposit requirements, Western Union® Netspend® Prepaid Mastercard® optional savings account allows you to start saving money. The account currently features a 5.00% Annual Percentage
Yield on balances of up to $1,000!11

Life Benefits

Protect yourself and your loved ones in the event of an injury or accidental death with Western Union® Netspend® Prepaid Mastercard® Accidental Death & Dismemberment (AD&D) coverage.12 This special feature is available for Netspend Premier FeeAdvantage™ Plan cardholders who maintain direct deposit activity. Not available in all states.

Prescription Discounts

Save up to 55% off the regular retail price for many prescriptions with the Western Union® Netspend® Prepaid Mastercard®.13 All you have to do is print out your personalized discount card and
show it to your pharmacist at most major pharmacies.

Virtual Account

Use the Western Union® Netspend® Prepaid Mastercard® virtual accounts feature to shop more securely. When you shop online or over the phone, you can use a temporary virtual account card number, expiration
date, and security code that you can cancel after you use it.12

Budget Tools

Everyone has bills to pay and needs to control spending. The Western Union® Netspend® Prepaid Mastercard® includes powerful budget tools that help you control spending. Set limits for yourself, track
spending or even add money to an optional savings account so that you are in total control of your money.

Reward Yourself with Cash

Get special offers from select merchants and get cash back rewards on those purchases.6 Or, use the Refer-a-Friend program and when your family and friends fund their Card Account with at least $40 in cash or with Direct Deposit,
you could each get a $20 credit!7

Please scroll down for disclosures

Western Union® Money Transfer Transactions in Minutes3

Use your card to send a Western Union® Money Transfer transaction to over 200 countries and territories, or receive a Western Union® money transfer directly onto your Card Account2

Western Union® and Netspend® have teamed up to offer a powerful prepaid card: The Western Union® Netspend® Prepaid Mastercard®.

Order Your Western Union® Netspend® Prepaid Mastercard® today!

*IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information
that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask
to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but
you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention
restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

1 Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but
can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money
reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated
with the funding and use of your card. See your Cardholder Agreement for details.

2 Fees for money transfers vary and will be calculated at the time of the transfer transaction. Fees, terms and conditions apply, which you must agree to before using the Service. No fee to receive Western Union money transfers onto
your Western Union® Netspend® Prepaid Mastercard®. This optional offer is not a MetaBank product or service nor does MetaBank endorse this offer.

3 Service and funds availability depends on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability,
regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones. Date available will be displayed on receipt for international transfers over $15. Fees
for money transfers vary and will be calculated at the time of the transfer transaction. Fees, terms and conditions apply, which you must agree to before using the Service. This optional offer is not a MetaBank product or service nor does MetaBank
endorse this offer.

4 Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay
availability of funds with or without notice. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction.

5 No charge for this service, but your wireless carrier may charge for messages or data.

6 Payback Rewards is an optional program. You may opt–out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to
your Card Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor:
Netspend Corporation. MetaBank and Mastercard are not affiliated in any way with this program and do not endorse or sponsor this program.

7 A cardholder may receive an unlimited number of Refer–a–Friend rewards while program is available. No reward will be credited to either party if referred individual had another Netspend managed card that was used for a
value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the $40 load requirement is fully met. Only cash reloads and direct deposits count towards the minimum load
requirement. Allow 2 business days for $20 credit to appear on each Card Account. If a cardholder accrues $600 or more in Refer–a–Friend rewards in a calendar year, Netspend will mail cardholder an IRS Form 1099–MISC
reflecting the total Refer–a–Friend rewards for such calendar year. Cardholder acknowledges that by referring a friend through this program, cardholder is releasing non-public information. Referred person acknowledges that payment
of the referral may result in the cardholder's knowledge of referred person establishing a Card Account with us. MetaBank and Mastercard are not affiliated in any way with the Refer–a–Friend rewards program and do not endorse or
sponsor this program.

8 Some bill payment services are subject to fees. See the Online Account Center for details about the methods of payment available.

10 The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions may create up to a $10.00 negative balance on your Card Account. Cardholder is responsible
for repayment of any negative balance. See the Cardholder Agreement for details.

11 The Savings Account is made available to Cardholders through MetaBank®; Member FDIC. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us in electronic form.
If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is
paid quarterly.

If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an Annual Percentage Yield (APY) of 5.00%.

If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average
Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of
. These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account
(maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured upon verification of Cardholder's identity. For purposes
of FDIC coverage limit, all funds held on deposit by the Cardholder at MetaBank will be aggregated up to the maximum amount permitted by law upon receipt of funds by the Issuer.

12 You may request up to six (6) active Virtual Accounts for each active Card Account. Virtual Accounts are subject to the same fees, limits, terms, and conditions as your Card Account. See your Cardholder Agreement or Online Account
Center for details.

The Western Union® Netspend® Prepaid Mastercard® is issued by MetaBank®, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend, a TSYS® Company, is a registered agent of MetaBank. Certain products
and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card
Account. See the Cardholder Agreement for details.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Card may be used everywhere Debit Mastercard is accepted.

The Western Union name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.